China Distance Education Holdings Limited Reports First Quarter ...

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?Tags:???Internet & business IT?????????????? ?This was published: 28 Feb 2012 - 09:12 pm?????????Print article:
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BEIJING, Feb. 28, 2012 ">

China Distance Education Holdings Limited (NYSE: DL) ("CDEL", or the "Company"), a leading provider of online education in China focusing on professional education, reported today its unaudited financial results for the first quarter of fiscal year 2012 ended December 31, 2011.?

First Quarter Fiscal 2012 Business and Financial Highlights:

• Total course enrollments from continuing operations was 828,000, an increase of 62.1% from the first quarter of fiscal 2011.
• Net revenues from continuing operations increased 35.8% over the first quarter of fiscal 2011 to US$9.9 million.
• Gross profit from continuing operations increased 57.3% from the first quarter of fiscal 2011 to US$5.3 million.
• Non-GAAP(1) gross profit from continuing operations increased 41.0% over the first quarter of fiscal 2011 to US$5.3 million.
• Gross profit margin from continuing operations was 53.3%, compared to 46.0% in the first quarter of fiscal 2011. Non-GAAP^{gross margin from continuing operations was 53.4%, compared to 51.4% in the same period last year.}
• Operating income from continuing operations was US$0.2 million, compared to operating loss from continuing operations of US$1.4 million in the first quarter of fiscal 2011. Non-GAAP operating income from continuing operations was US$0.4 million, compared to non-GAAP operating loss from continuing operations of US$0.4 million in the first quarter of fiscal 2011.
• Net income was US$0.4 million, compared to net loss of US$1.0 million in the first quarter of fiscal 2011.??
• Non-GAAP(1) net income was US$0.5 million, compared to non-GAAP(1) net income of US$0.1 million in the first quarter of fiscal 2011.?
• ????????????Basic and diluted net income per American Depositary Share ("ADS") were US$0.011 compared to basic and diluted net loss per ADS of US$0.030, for the first quarter of fiscal 2011.? Each ADS represents four ordinary shares.
• Basic and diluted non-GAAP(1) net income per ADS were US$0.015, compared to basic and diluted non-GAAP(1) net income per ADS of US$0.004, for the first quarter of fiscal 2011.
• Deferred revenue and refundable fees balance was US$15.2 million, a 45.8% increase from the balance of US$10.4 million for the fourth quarter of fiscal 2011 and a 28.3% increase from the first quarter of fiscal 2011.?

(1) ?For more information about the non-GAAP financial measures contained in this press release, please see "Use of Non-GAAP Financial Measures" below

Commenting on the results, Mr. Zhengdong Zhu, CDEL Chairman and Chief Executive Officer said, "We are pleased to report strong first quarter results with revenues exceeding our guidance and net profit on both a GAAP and non-GAAP basis.? Despite the first quarter being our seasonally lowest quarter of the year, we delivered enrollment growth across our online education courses and average student payment growth for most of our online test preparation courses. ?As a result, total net revenues from continuing operations of our online education services increased 48.6% year-over-year.? In addition, we have seen increasing contribution from our newer initiatives, demonstrating that our investment in new courses and services is beginning to pay dividends.

"Our results were further supported by strong adoption of our newly launched courseware and services, including mobile learning platform, mobile learning magazines and our online high-definition courses. These new delivery channels, made possible by our growing adoption of mobile technologies and our robust online platform, provide us with an important competitive advantage and a real value-add to our students."

"Our positive momentum in recent quarters confirms our belief in the merits of our strategy to realize the full potential of our unique business model.? We intend to further leverage our platform in the coming months. With our deep experience in the education field and our robust online delivery platform, we are uniquely positioned to capitalize on the strong demand for high quality results based education and rapidly increasing online consumer spending in China. We believe that our business model and strategy position us well to deliver continued growth and increasing shareholder returns in the years ahead."???

Ms. Ping Wei, Chief Financial Officer of CDEL, commented, "This quarter's results clearly demonstrated the scalability of our business model as our revenue growth outpaced the increase in cost and expenses despite the fact that we are still operating in an inflationary environment. We expect this margin expansion trend to continue. Simultaneously, we strongly believe in the future of online education in China and we will continue to invest prudently in new online learning models and revenue growth drivers. Going forward, we expect to maintain our non-GAAP margin from continuing operations at a level similar to or slightly better than the non-GAAP margin of fiscal year 2011." ?

Fiscal First Quarter 2012 Unaudited Financial Results

Net Revenues.? Total net revenues from continuing operations for the first quarter of fiscal 2012 were US$9.9 million, representing a year-over-year increase of 35.8% from US$7.3 million in the first quarter of fiscal 2011.

Online education services net revenues for the first quarter of fiscal 2012 were US$7.7 million, an increase of 48.6% from the first quarter of fiscal 2011. The increase was a result of increased revenue in accounting continuing education, accounting certificate examinations, Accounting Professional Qualification Examinations, healthcare and construction engineering courses. Such increase was partially offset by decreased revenue in self-taught higher education.

Net revenues from books and reference materials decreased by 17.9% to US$1.0 million for the first quarter of fiscal 2012 due to slower cash collection from customers in the quarter.

Net revenues from others increased by 30.8% year-over-year to US$1.2 million for the first quarter of fiscal 2012 from US$0.9 million in the corresponding period of last year. The increase was a result of increased revenue in offline business start-up training courses provided by Zhengbao Yucai and other off-line supplementary training courses. Such increase was partially offset by decreased revenue from magazine content production, courseware production and platform production services.

Cost of Sales.? Cost of sales from continuing operations for the first quarter of fiscal 2012 was US$4.63 million, representing a 17.4% increase over the first quarter of fiscal 2011. ?Non-GAAP¹ cost of sales from continuing operations for the first quarter of fiscal 2012 was US$4.61 million, an increase of 30.2% over the same period last year. The increase in cost of sales was primarily due to the increased salaries and related expenses, lecturer fees, and rent and related expenses.

Gross Profit and Gross Margin.? Gross profit from continuing operations for the first quarter of fiscal 2012 was US$5.28 million, representing a 57.3% increase from US$3.4 million in the same period last year. Non-GAAP¹ gross profit from continuing operations was US$5.29 million, an increase of 41.0% year-over-year. Gross profit margin from continuing operations for the first quarter of fiscal 2012 was 53.3%, compared to 46.0% in the first quarter of fiscal 2011. Non-GAAP¹ gross profit margin from continuing operations for the first quarter of fiscal 2012 was 53.4%, compared to 51.4% in the same period last year.? ?The increase in non-GAAP¹ gross profit margin was primarily a result of gross profit contributed from business start-up training courses and the relatively moderate increase in salaries and related expenses, server management fees, depreciation and amortization compared to sales, and smaller revenue contribution from our lower-margin book and reference material business. Such increase was partially impacted by the relatively higher growth in lecturer fees and rent and related expenses.

Operating Expenses. Total operating expenses from continuing operations for the first quarter of fiscal 2012 were US$5.0 million, an increase of 5.3% year-over-year.? Non-GAAP¹ operating expenses from continuing operations were US$4.9 million, representing a year-over-year increase of 18.8%.

Selling expenses from continuing operations amounted to US$2.87 million for the first quarter of fiscal 2012, representing a 15.1% increase year-over-year.? Non-GAAP¹ selling expenses from continuing operations were US$2.86 million, a 21.2% increase from the same period last year primarily as a result of increased salaries and related expenses, advertising and promotional activities, and commissions to our agents due to the increase in sales.?

General and administrative expenses from continuing operations were US$2.2 million in the first quarter of fiscal 2012, representing a 5.2% year-over-year decrease. ?Non-GAAP¹ general and administrative expenses from continuing operations were US$2.1 million, an increase of 15.7% year-over-year primarily due to the increased salaries and related expenses.

Income Tax (Expenses) Benefit.? Income tax expenses for the first quarter of fiscal 2012 were US$0.09 million, compared with income tax benefit of US$0.3 million in the same period last year.

Net Income (Loss) from continuing operations attributable to China Distance Education Holdings Limited. Net income from continuing operations was US$0.4 million for the first quarter of fiscal 2012, compared to net loss of US$0.9 million in the same period last year. Non-GAAP¹ net income from continuing operations for the first quarter of fiscal 2012 was US$0.5 million, compared to non-GAAP¹ net income of US$0.1 million in the same period last year.

Net Loss from discontinued operations attributable to China Distance Education Holdings Limited. Net loss from discontinued operations was US$0.006 million for the first quarter of fiscal 2012, compared to net loss of US$0.1 million in the same period last year. Non-GAAP¹ net loss from discontinued operations for the first quarter of fiscal 2012 was US$0.006 million, compared to non-GAAP¹ net income of US$0.01 million in the same period last year.

Net Income (Loss).? Net income was US$0.4 million for the first quarter of fiscal 2012, compared to net loss of US$1.0 million in the same period last year. Non-GAAP¹ net income for the first quarter of fiscal 2012 was US$0.5 million, compared to non-GAAP net income of US$0.1 million in the same period last year. ?

Operating Cash Flow. Net operating cash inflow for the first quarter of fiscal 2012 was US$5.0 million, compared to a net operating cash inflow of US$1.4 million in the same period last year. The increase was primarily the result of increased profit generated in the quarter, decrease in accounts receivable, increase in accrued expenses and other liabilities, ?and higher deferred revenue and refundable fees balance resulted primarily by increased payments by our students to obtain our courses. Such increase was partially offset by increase in prepayment and other current assets, and decrease in income tax payable. ?

Cash and Cash Equivalents, Term Deposits and Restricted Cash.? Cash and cash equivalents, term deposits and restricted cash as of December 31, 2011 decreased to US$49.7 million from US$60.3 million as of September 30, 2011 primarily due to the payment of US$15.9 million of special cash dividend and US$0.3 million of capital expenditures, partially offset by US$5.0 million of operating cash flow generated from operations in the quarter. ?

Second Quarter Fiscal 2012 Guidance - The Company expects to generate total net revenues from continuing operations for the second quarter of fiscal 2012 in the range of US$11.3 million to US$12.2 million, as compared to net revenues from continuing operations of US$9.0 million in the second quarter of fiscal 2011, representing a 25% to 35% year-over-year increase. This represents our current and preliminary view, which is subject to change.? ?

Share Repurchase Program

Today, the board of directors of CDEL has approved the extension of the Company's share repurchase program (the "Prior Repurchase Plan") to April 28, 2013. Under the extended program, CDEL is authorized to repurchase up to US$5.84 million worth of its issued and outstanding ADSs from time to time in open-market transactions on NYSE, representing the unused portion of the Prior Repurchase Plan. The repurchases will be made at prevailing market prices, in negotiated transactions off the market, in block trades, pursuant to a 10b5-1 plan (which if adopted, will allow CDEL to repurchase its ADSs during periods in which it may be in possession of material non-public information) or otherwise. The purchases will be made subject to restrictions relating to volume, price and timing. The timing and extent of any purchases will depend upon market conditions, the trading price of its ADSs and other factors. CDEL expects to implement this share repurchase program in a manner consistent with market conditions and the interest of its shareholders. The board will review the share repurchase program periodically, and may authorize adjustment of its terms and size accordingly. The program may be suspended or discontinued at any time.

Conference Call

China Distance Education Holdings Limited senior management will host a conference call at 8:00 am (Eastern) / 5:00 am (Pacific) / 9:00 pm (Beijing/Hong Kong) on February 29, 2012 to discuss its first fiscal quarter 2012 financial results and recent business activity.? The conference call may be accessed by calling +1 866 519 4004 (US), 800 930 346 (Hong Kong), 800 819 0121 (China Land-line), 400 620 8038 (China Mobile), or 0 808 234 6646 (UK). The pass code is CDEL.

A telephone replay will be available shortly after the call until March 8, 2012 at +1 866 214 5335 (US), 800 901 596 (Hong Kong), 10 800 714 0386 (China North), 10 800 140 0386 (China South), or 0 800 731 7846 (UK). The pass code is 48238541.

A live webcast of the conference call and replay will be available on the investor relations page of China Distance Education Holdings Limited's website at: http://ir.cdeledu.com/versions/Financials_en/EarningsAnnouncements_en.html

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Yahoo Threatens Facebook With Legal Action Over Patents ? PC ...

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Physiotherapy Education * The way to be a real physical Counselor ...

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Article Created By Granville Y.S. Mcclinton

Tags: physical therapy programs

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Internet and Online Business ? Video Streaming Tips With Some ...

Published by witter | February 24, 2012 | | 1

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Contrary to numerous reports, oncogenic human papillomavirus types are rarely present in mammary epithelium of patients with breast cancer, according to a study published in the March 1 issue of Cancer.

FRIDAY, Feb. 24 (HealthDay News) ? Contrary to numerous reports, oncogenic human papillomavirus (HPV) types are rarely present in mammary epithelium of patients with breast cancer, according to a study published in the March 1 issue of Cancer.

Kimberly Baltzell, Ph.D., from the University of California at San Francisco, and colleagues analyzed malignant tissue specimens from 70 breast cancer patients using in situ hybridization (ISH), with probes that were specific for the capsid region of 12 oncogenic HPV types, and in situ polymerase chain reaction (IS-PCR), with primers that were specific for the capsid region of HPV-16.

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?Oncogenic (high-risk) HPV types were present in malignant breast epithelium very infrequently and, thus, may be causative agents of only a relatively small proportion of all breast cancers,? the authors write.

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Source: http://cancerkick.com/2012/02/24/oncogenic-hpv-rarely-present-in-breast-cancer-tissues/

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When staying at Key West, To purchase a?substantial amount?of Clubs on a family?s plate. Fortunately, Your innkeepers will help us Organise Particularly today Especially in an Quite simply digestible way. Creativeness Can be of help weave Collectively a multifaceted and various leasure activities of Quick activities. In case you Planning to delve throughout the nitty gritty of Key West?s history, Most of the innkeeper most commonly indispensable Author bio Who exactly skillfully fills Our void.

With Any breezy and A casual lifestyle, Visitors of Key West Employ a First class quote of Level of sensitivity and insight. Many won?t Facilitate discrepancies in age, occupation, Customs or placement To build the way that fascination with Some place. As visitors, We obtain An experienced Tips of Area Your life And it is cause problems for locals.

FEATURED PROPERTY: It is going Without the benefit of stating that the causes and Comforts To the Key West Bed and Breakfast in Key West, Florida Will be in peace and tension free Within eyes. A that entices attitude Is actually noticeable Simply by inn. The positioning Generally for the tropical island, With of the highest quality sunsets and sunrises imaginable. This provides Web site an awareness of level of privacy and romance. Some of the pleasant Positioning Apart from Professional Services stimulates this injury is a setting of unrivaled charm.

Upon arrival, a Health care representative Will also register tourists at the cab end Receptionist desk and escort Targeted traffic for their Calm awareness and inviting rooms. employees Effectively Familiarise freshly showed up guest visitors Aided by the property, Each one a Head to Of those inn and Understand The entire history. employees talks of Often the breakfast particulars, and voices Various details, to include Work for sale in Key West. The entire innkeeper is renowned for Your girlfriend?s smiles, Food and Focus on detail.

The Key West B

from your own site.

Source: http://www.familyvacationspotsideas.net/key-west-florida-bed-and-breakfast-inns-that-reinvigorate.html

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UN climate chief turns to CEOs for action

FILE- U.N. climate official Christiana Figueres speaks during the climate conference in Durban, South Africa, in this file photo dated Monday, Nov 28, 2011. As governments bicker over who should do what to slow the pace of global warming, the U.N.'s climate chief Christiana Figueres told The Associated Press on Tuesday Feb. 21, 2012, that she is increasingly looking to worldwide business leaders to show the way forward and to turn the world towards a low-carbon future. (AP Photo/Schalk van Zuydam, file)

FILE- U.N. climate official Christiana Figueres speaks during the climate conference in Durban, South Africa, in this file photo dated Monday, Nov 28, 2011. As governments bicker over who should do what to slow the pace of global warming, the U.N.'s climate chief Christiana Figueres told The Associated Press on Tuesday Feb. 21, 2012, that she is increasingly looking to worldwide business leaders to show the way forward and to turn the world towards a low-carbon future. (AP Photo/Schalk van Zuydam, file)

FILE- U.N. climate official Christiana Figueres, standing right, talks with various delegates at the climate change summit in Durban, South Africa, in this file photo dated Saturday, Dec. 10, 2011. As governments bicker over who should do what to slow the pace of global warming, the U.N.'s climate chief Christiana Figueres told The Associated Press on Tuesday Feb. 21, 2012, that she is increasingly looking to worldwide business leaders to show the way forward and to turn the world towards a low-carbon future. (AP Photo/Schalk van Zuydam, file)

STOCKHOLM (AP) ? As governments bicker over who should do what to slow the pace of global warming, the U.N.'s climate chief is increasingly looking to business leaders to show the way forward to a low-carbon future.

Christiana Figueres told The Associated Press that her efforts to reach out to high-profile executives from companies such as Coca-Cola, Unilever and Virgin Group represent "a deeper recognition of the fact that the private sector can contribute in a decisive way."

Since the start of 2012, the Costa Rican head of the U.N. climate agency has met corporate leaders at the World Economic Forum in Davos and on a cruise to Antarctica organized by Nobel Peace Prize laureate and former U.S. Vice President Al Gore's Climate Reality Project.

"I'm hoping to accelerate what I call the push and pull process," Figueres told the AP in a phone interview Tuesday from her agency's secretariat in Bonn, Germany.

Governments act as a pull factor by shaping the policies that promote green technology and help renewable energy sources like solar and wind power compete with the fossil fuels that scientists say contribute to global warming through the release of greenhouse gases.

"But the companies, particularly these very, very high-powered companies that ... have the ear of many of the decision-makers and the opinion leaders of different countries, they can act as a push factor," Figueres said.

She mentioned Walmart, Coca-Cola and Unilever as examples of companies that have "looked at their own production and up and down their value chain" for ways to reduce their carbon footprints.

Underscoring the focus on businesses, the U.N. climate agency last month launched an online database showcasing examples of companies making efforts to help vulnerable communities adapt to climate change.

The heightened attention to the role of corporations in addressing climate change comes amid a realization that the 2-decade-old U.N. climate talks are unlikely to achieve the goal of keeping temperatures from rising more than 2 degrees Celsius (3.6 degrees Fahrenheit) above preindustrial levels. Scientists predict further warming could lead to severe damage from extreme weather, droughts, floods and rising seas.

Last year, governments agreed to draw up a new climate pact by 2015 that would enter into force five years later. But major hurdles remain, including the difficulty in getting the United States to sign up to legally binding emissions cuts.

The U.S. doesn't want to commit to a binding deal unless it also imposes strict emissions targets on China and India, while the latter insist their targets should be more lenient because, historically, the West has a bigger share of the blame for man-made warming.

Figueres said it is up to the U.S. electorate to decide in the presidential election this year "how they would like to see their national leadership treat this issue."

However, there are no signs from the presidential campaigns that the U.S. stance is going to soften. Republican candidates have expressed doubt over, or flat-out rejected, the notion that human activities contribute to warming.

And Democratic President Barack Obama, facing Republican criticism for locking up the nation's energy resources, has embraced increased oil and gas production on the campaign trail.

"What is always astonishing to me is how the U.S. citizen is willing to diminish the possibility that the United States has to be a leader in the technologies of the future," Figueres said. "And it also has implications for the world. Because this world would profit from the technical and intellectual capacity that is in the United States."

___

Follow Karl Ritter on Twitter at http://twitter.com/karl_ritter

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-02-21-EU-UN-Climate-Chief/id-d4ef6f40614f4c4287e95e2fe03c292d

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Forex Tips and Tricks | Cyprus

On a daily basis, thousands and thousands of trades are created in a very currency exchange industry named Currency trading. The phrase ?Forex? right stems fx rogue from the start of two phrases ? ?foreign? and ?exchange?. Not like other buying and selling programs including the stock current market, Fx is not going to entail the buying and selling of any products, bodily or representative. As an alternative, Forex trading operates as a result of acquiring, advertising, and buying and selling in between the currencies of assorted economies from all over the world. For the reason that Fx marketplace is really a worldwide investing program, trades are created twenty-four hours a day, 5 times every week. Furthermore, Currency trading isn?t bound by any just one handle company, meaning that Foreign exchange may be the only correct free of charge market place financial buying and selling method readily available these days. By leaving the exchange prices outside of any one particular group?s palms, it really is a great deal much more tricky to even try to manipulate or corner the currency market place. With all the positive aspects affiliated together with the Forex trading process, plus the intercontinental variety of participation, the Fx current market could be the major industry during the overall entire world.

Everywhere amongst one trillion and one.five trillion equivalent U . s . bucks are traded over the Fx promote each individual and each individual day.

So somewhat than manual you via a structured website with a lot more facts via several sections; they generally utilize this pitch webpage and so they commonly pack it with facts in addition to a ton of challenging advertising. It has demonstrated to generally be the craze and it truly is gotten more challenging and more difficult for many EAs to promote their program without having most of these pitch pages. It can be generally the situation with electronic products and solutions and or/stuff it is possible to buy on line. In terms of these make-money-online and Forex trading web pages they generally possess a lots of flash to them and naturally quite a few points to draw prospects in. The truth is it is not substantially various from almost every other type of marketing, most undoubtedly not the likes of other financial systems, and so forth. They should have some kind of charm and be aggressive. My summary is regardless of whether it appears like it may be a fraud, do your research in any case and it could not be. It just is dependent. Some items are indications, but in my view world wide web structure and difficult advertising are usually not immediate symptoms of the rip-off.

Even though inside the Currency trading Market place one thing to hope for could well be charts and evidence.

Most fx choices investing is executed by means of phone as you?ll find only a handful of currency trading brokers presenting on the web fx solution investing platforms.

Forex trading Solution Defined ? A foreign exchange possibility is usually a economic currency agreement offering the fx choice customer the appropriate, although not the obligation, to get or market a particular fx spot agreement (the fundamental) in a particular cost (the strike cost) on or previously a particular date (the expiration date). The volume the fx choice customer pays for the currency trading alternative seller for that currency trading choice agreement legal rights is termed the forex trading selection ?premium.?

The Currency trading Choice Purchaser ? The purchaser, or holder, of the foreign currency alternative has the alternative to both promote the foreign currency solution agreement previous to expiration, or she or he can opt to maintain the foreign currency choices agreement until finally expiration and exercising her or his suitable to acquire a placement within the fundamental spot foreign currency. The act of doing exercises the foreign currency selection and getting the subsequent fundamental placement while in the foreign currency spot marketplace is called ?assignment? or becoming ?assigned? a spot place.

As I reported earlier mentioned, the foreign exchange buying and selling is regarded as among the most prosperous and beautiful options for financial commitment as any man or woman can simply do at your home or company and from any element of the earth.

For succeeding the Foreign currency trading, someone is simply not demanded to try and do any on-line marketing, marketing and advertising etcetera. The one need within the Foreign currency trading would be the account that someone is needed to open up with dependable and registered brokers, a pc method and rapidly world-wide-web relationship.

Now, you might have to get cautious when opening a Forex trading account with any broker for the reason that some may very well be Fraud. The Commodity Futures Investing Commission (CFTC) in US has jurisdiction through all Futures and Currency trading exercise. When investing within the foreign exchange markets, people must only trade using a CFTC registered entity that?s also a member on the Countrywide Futures Association (NFA) and it is controlled through the CFTC. For non-US broker/ lender entities, make certain which the broker or lender is registered with that country?s correct regulatory bodies.

The solitary most apparent response is certainly ? online! On line currency trading offers you immediate entry on the forex trading current market and there is tons and plenty of organizations to choose from that are in enterprise only to offer with you on line. Be vigilant, do invest some time to obtain some superior foreign currency trading training, all over again this may be offered on the internet and put together your dummy account to trade previously you try to go dwell. In the event you choose treatment and consider your time, you will find no cause why you should not achieve success in currency trading so, have endurance and adhere at it!

Source: http://reconciliationcyprus.org/finance/forex-tips-and-tricks/

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[OOC] The New Civilization

Forum rules
This forum is for OOC discussion about existing roleplays.

Please post all "Players Wanted" threads in the Roleplayers Wanted forum!

This topic is an Out Of Character part of the roleplay, ?The Island of Devoveo?. Anything posted here will also show up there.

Topic Tags:

Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
This is the auto-generated OOC topic for the roleplay "The New Civilization"

You may edit this first post as you see fit.

The day he was born was the day I took my first breath. The day he died was the day I died too. Remember, listen, and never be forgotten.

halfmoonwarrioress

Member for 4 years

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Olive Renolds

She stood inside the doctors lounge, still trembling and ghost white from the terror she had just witnessed. Her hands were stained a little red. It seemed that no matter what she did, she couldn't remove the blood from her hands. Marci, a nurse from the third floor stepped into the room. At the sight of Olive, she turned and stepped back out. Right then a commercial on the lounge television caught her attention.

"The government of the United States of America is issuing a voyage for 30 individuals to start a new civilization on an island outside of Hawaii. It seems that all the public must do to obtain a ticket is get their name picked out of a drawing."

Olive wiped her eyes and sat up a little more properly.

"All you must do is visit your local government office and request a form", the lady was saying. She knew right then what she must do.

halfmoonwarrioress

Member for 4 years

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Post a reply

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What You Should Know All About A VA Refinance | Articles ...

Are you a veteran or are you in the military on active duty? Are you interested in taking advantage of the lowest interest rates with extremely low mortgage payments and having no monthly mortgage insurance? If you answered ?Yes? to any of these questions, then a VA Refinance is the perfect solution for you.

Types of VA Refinancing

1. VA Streamline Refinance

With VA streamline refinance current VA homeowners are able to lower their monthly interest. Most veteran homeowners choose this type of refinance because VA Financing rates are lower plus there are no out of pocket costs involved.

2. Cash Out Refinance

Another popular type of refinance loan that let?s you take cash-out in addition to your existing home loan balance. Therefore, you have your current balance plus your desired cash-out amount.

3. Conventional to VA Refinance

These financing options are for veterans that do not possess a VA home loan currently and are generally entitled to apply for one. You could get 90% of your home value in cash according to your qualifications and also the state you live in. If you ever refinance through VA your interest rate might be more affordable than your existing conventional loan because of the all time low VA Rates.

Make sure you refinance for the right reasons. It is very important to know your options. Here are the top 4 reasons why you should refinance today.

1. Lower Interest Rate. With today?s low interest rates you will save money each month and this will let you build a home equity more quickly (in case you decide to get a 15yr VA Loan). Low interest rates have made loan refinancing more inviting to many veterans.

2. Lower Monthly Payment. By stretching out your house loan payment to a much longer term you can decrease your monthly payment. The negative effect of lengthening the term is that you pay more interest over the longer life of your loan.

3. Pay off your home loan faster. By shortening the length of your loan, you can pay off your home loan faster. The downside of shorter term is that your payments are significantly higher.

4. Switch to fixed-rate loan. You may want to take into consideration fixed-rate loan in order to create a steady and manageable monthly payment. A 15-year fixed rate and 30-year fixed loans are definitely more stable long term vs. an Adjustable Rate Mortgage (ARM). .

Think about it this way, a VA Refinance loan is exactly what you need to make your financial dreams become reality. But before making any financial decisions, make certain that you fully understand all the terms and obligations offered to you before signing any loan documents.

Do you think you can find the most competitive VA homeloan? Find out in 2 minutes flat by going to VA-Loan.org and shopping for the best VA Loan Today.

Source: http://art.redbright.co.za/what-you-should-know-all-about-a-va-refinance/

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Lecturer in Philosophy | Jobs in New Zealand

Lecturer in Philosophy

about 16 hours ago - No comments

Albany, Auckland ? and Classics at Massey University. The position will be based at Massey?s Albany campus where papers are taught in to the Bachelor of Arts.

Pharmaceutical Sales Representative (12 month Fixed Term Contract)

about 1 day ago - No comments

Roche ? Auckland ? Based in Auckland, and predominately covering the Auckland, Waikato and Bay of Plenty regions, you will form a crucial part of a high performing sales team who is responsible for achieving sales targets and market share growth for two of our key strategic pharmaceutical products. You will be part of a small, close knit team interacting primarily with healthcare professionals from the secondary health sector, who are responsible for the care of patients with lymphoma and melanoma.You?re driven? to succeed and to being the very best that you can

Human Resources Business Partner ? Global Risk Practices HR ? Marsh ? New York

about 1 day ago - No comments

Marsh ? Auckland ? Title: Human Resources Business Partner ? Global Risk Practices HR ? Marsh ? New York Location: US-NY-New York Other Locations: As the world?s leading insurance broker and risk advisor, Marsh is devoted to finding the opportunity in risk. Companies look to us to help them navigate the daunting global risk landscape, seeing risks others don?t and unlocking opportunities others can?t

Relationship Manager ? Wgtn CBD

about 1 day ago - No comments

Wellington ? clubs and schools with the following services 1. A great communications platform which includes websites, email newsletters, social media and text messaging services. 2.

Relationship Manager ? Hawkes Bay

about 1 day ago - No comments

Hawke?s Bay ? clubs and schools with the following services 1. A great communications platform which includes websites, email newsletters, social media and text messaging services. 2.

Science Team Leader | Farm Systems, South, Ref No. AGR1296, New Zealand

about 4 days ago - No comments

New Zealand ? , excellent working conditions, ongoing support and superb training and professional development opportunities. To apply please submit your application including a Curriculum Vitae and a covering letter highlighting: ? Your motivation to apply for the role. ? The skills/attributes/behaviours you bring which support your application

Science Manager

about 6 days ago - No comments

Darfield, Canterbury ? Christchurch ? a number of new positions and this is a great time to join Agriseeds. We are passionate about New Zealand pastures and are looking for the best people to join our team. Agriseeds strives to be the best company work work for the easiest company to work with

Volcanic Hazard Modeller

about 1 week ago - No comments

Lower Hutt ? and have an interest in the application of natural hazards research to address societal issues. A probabilistic modelling background and some programming knowledge would be an advantage. A critical requirement of the position is to be able to engage with key end users such as civil defence, so that the hazard and risk assessments are relevant to emergency management and planning specialists

Project Manager ? Web Focus

about 1 week ago - No comments

Auckland ? for key clients. To be considered you will have the following skills: ? Development and integration of software solutions.

Source: http://www.jobsinnewzealand.co.in/jobs/science-research-development/lecturer-in-philosophy-2

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Getting Skilled Level Roofing Repair Services | Home Improvement ...

Are there a private as well as commercial property using a toned roofing into it? After that, you have to know that you are sure to own it repaired in a particular point in time. The reason being such roofs are susceptible to leaks of course, in the event that you may not tackle this condition immediately, this may lead to major damage all on your own roofing and the most your property.

The majority of properties which is often developed effectively normally will need flat roof repairs services following 5-10 a long time. The original trickle in which shows up just uses a pail under it to hook the water in which sips in however, if it can be remaining to keep presently there, it could possibly speedily get worse. Even when you could patch the cover plus some experts will declare that that is by now sufficient, you?re going to need to patch them consistently. This may run you more cash compared to receiving a full mechanic at the start.

The best way that you need to discover boiler replacement to help you out can be requesting suggestions from a pals. Like this, you will have a go through the work of different businesses and still have about how exactly specifically pricey their particular services are.

If you would like have got building work carried out in new boiler, you should get several contractors to provide a quote. There are plenty of accessible roof covering businesses these days although not they all are good. Most clarify just how they could repair your own residences roofing for any really low price however these types of companies normally execute a negative job and may normally go away afterwards. As with any type of program, you?re going to get exactly what you make payment for with regard to, which means that if you shell out an easily affordable price, it can be almost definitely that you?re going to get hold of a negative job with regard to you. It is going to exhibit in which paying much more money.

The ultimate way to start off addressing the challenge you might have all on your own roofing can be obtaining proper roof covering experts to experience a contemplate it. They?ll recommend plugging the complete roofing in addition to almost everything in which project within the floor. It may well include water lines, grills, and oxygen units. These kind of must be closed to ensure drinking water can?t go through the cover. If you can?t nice and reseal these materials effectively, drinking water should go within the lining and commence dripping to your dwelling. Right after these materials are closed off, a distinctive rubber-like content flows at the top. This can be meant to expand lifespan and raise the long life of your own residences roofing. Additionally, it permits your own residences roofing growing and agreement with regards to the the weather.

Source: http://www.shfilmds.com/2012/02/getting-skilled-level-roofing-repair-services/

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Liquor Retail store Business Strategy | welcome to 2kdesigns.info

February 18, 2012

Jokes apart, a liquor store is just one establishment that definitely fetches a lot of revenue and it is really lucrative. Beginning a liquor store will not be an extremely complicated undertaking. The following is often a liquor store business enterprise strategy which you can use to establish your own private store. This business enterprise strategy may also be followed as properly in case you happen to be about the lookout to get a beer store business enterprise strategy or simply a wine store business enterprise strategy.

Small business Prepare to get a Liquor Keep

Step one to abide by just before opening a liquor store is analysis. It is actually significant which you know all concerning the liquor establishments and liquor manufacturers. It?s also significant to grasp where by the prominent liquor suppliers are found in your nation and how lots of producing vegetation they have got. Taste all the items that these suppliers have on offer and research their contents. Get all the information about the suppliers by investigating their income as well as level of popularity of their manufacturers. You might also think about researching their annual reports, if they are readily available, to receive to grasp more details on them.

The next stage is usually to systematically tour your metropolis, city or village and track down all the well known liquor stores, especially 24 hour liquor stores. Have got a informal look at the shop and have a look at all the manufacturers that the store sells. Then uncover a locality that doesn?t have got a liquor store making sure that you?ll have a lot less levels of competition to get started on with.

Apply for the liquor store license and also review the liquor store legislation. Right after you might have acquired the license, strategy the wholesalers with the liquor manufacturers and suppliers and request for catalogs and quotations. From a analysis, you?ll understand the level of popularity with the manufacturers as well as liquor that is certainly obtained the most. You might then begin furnishing the store and scheduling the layout with the store. The suppliers and wholesalers on their own may perhaps provide you the refrigeration and facility and would present manufacturer certain apparel for that store. Remember which you would have to spend a lot of cash in the method. Publicizing the store can be a crucial undertaking and for this you do not have to have any complex advertising strategy when you may perhaps resort to mediums just like the Web, area print papers otherwise you may perhaps only place up eye-catching banners.

Consumer is King

Dealing with the prospects appropriate is the most significant factor which you have to bear in mind though opening a liquor store. You may abide by very simple tricks like suggesting different types of drinks to your customer or describing to him, the taste and specialty of each drink. This might seem very simple even so it is often a very complicated. The advantage is that when you are pleasant, polite and courteous, you are going to gain you faithful prospects. A trick of trade is expressing your enjoy for liquor. Once the customer measures in the store, usually do not dismiss him, nor pester him, but suggest new liquor varieties and manufacturers, that the customer would readily invest in. For this, you?ll need to build an acute skill of observation and an ability to gauge the purchase strength with the customer. A different important suggestion is usually to never ever consult a customer anything besides concerning the liquor he?s enthusiastic about. This may seem unusual but liquor store owners have noticed that if a customer is asked polite and informal concerns relevant to function or household, he gets irritated really promptly. A light discount also tends to gain faithful prospects.

You?d probably also have cops and area authorities examining your store. Hence, product a program of recording income and purchases as well as the level of liquor that is certainly in stock. While in the preliminary phases, the shop may perhaps not produce a wide range of cash. Hence, acquire level of popularity through the use of very simple actions like buzz advertising and also strategy establishments like eating places and bars and effort to build very long phrase business enterprise relationships. Ideally, this liquor store business enterprise strategy can help your realize your target of commencing your own private liquor store.

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Tagged with: Small Business Loans and Business Loans

Categorised as: general

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Source: http://www.2kdesigns.info/liquor-retail-store-business-strategy/

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Analyst: Facebook Will Make $1.2 Billion Annually From Mobile Ads

No, Facebook is not advertising yet on mobile platforms. Yes, that hasn't stopped people from speculating on what it will mean when it does. The latest: an estimate of how much the social network stands to make from mobile advertising: $1.2 billion a year in the U.S. and its five biggest markets in Europe -- the UK, France, Germany, Italy and Spain. The numbers come from UK-based analyst firm Mobile Squared, which has worked out that Facebook will be making an average revenue per mobile user of around $6.50 per year -- some $2 more than Facebook currently makes per users online, using figures supplied in its S-1 earlier this month. The caveat here is that the modelling appears to be hinged on mobile display-style ads, while in truth it's not known what Facebook will do when it comes to formats; and several reports have pointed to them first opting for something altogether different -- sponsored stories.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/dlS8mvbBLsY/

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The 5 Worst - Internet Business Training Database

When I first read this article I thought to myself, ?Yep, been there, done that, bought the T-shirt.? In fact ANYONE who has been in IM for any lenght of time wil recognise some of these mistakes and could quite easily write your own book on them!

But the key to success it?s just LEARNING from our mistakes, it?s GROWING after them. This is a great guest post from Ivin Viljoen? enjoy!

I?ve been in this business a long time, and I?ve failed at IM (internet marketing) more times than I can count. Some of these failures include some of the following:

• Hosting competitions that no-one enters.
• Writing posts that no?one reads.
• Producing a product that I can?t even give away.
• Building email lists that have less than 1% open rate.
• Giving away stuff no-one wants.
• Begging for social media votes etc.

Well, those are just to name a few, but since then I have built a business that has two employees in the 5 months since its existence, doubled it?s turnover in the space of three months and hang with some of the biggest blog/website owners on the internet.

But, instead of telling you about my accomplishments (which aren?t that many b.t.w); I want to highlight some of the worst mistakes you can make online while attempting Internet Marketing.

Trying to be TOO perfect.

Let?s talk about creating a product. Think about Microsoft for a minute. How many products do they launch that go through a lot of testing needing a lot of support and still create a couple un-happy customers? Sometimes your product launch get stifled because you?re trying to develop too much too quickly. Here are some actionable points you can look at when creating a product (or service):

• Start with an immediate solution ? You want to solve a problem that is a great headache for people you have the answer to.
• Build up from that ? This is where an autoresponder is great, you can teach along the way building on the solution you just gave and solving more problems in the series. This series (where you?ve solved problems for people) could lead up to?
• Create(ing) and add-on product ? Now you want to build on the previous product, add on a product/service and make it greater. Allow for an upgrade to perform more and solve more (relatable) problems.
• Keep developing ? Look at Andy Bailey, probably one of the greatest marketers in our circles. He created a free plugin, kept working on developing it, adding value and solving problems. Eventually the Premium version came around and nobody had any qualms about spending $40 for the plugin. That was because Andy took his time, built his customer base and provided value for years. Now, when he makes something available, you almost instantly hit the buy button.

Overselling.

Don?t you hate it when you just bought something because of an incredible sales pitch, and when you get to the download page, or the pay page, you get an OTO (one time offer) that basically explains to you that you cannot really get much value out of the product if you don?t buy the add-ons. This is a HUGE no-no.

The other scenario is when you buy a product and it takes ages to set up and not the ?couple minutes? they promised you. Or, you run with the program and don?t see remotely close to the results you were promised. Let?s look at why you may have disappointed customers.

• People give benefit of the doubt ? You may not think people pay attention to the promises you make on the sales page. But they actually do, which is one of the reasons for the conversion. If you said they will ?Lose 15lbs in a week?, that?s what they expect to happen.
• If they?re expectations are not fulfilled, they?ll be upset ? If there are the slightest chance of limitations to your products, make sure it is stated somewhere, at least in a disclaimer, so people know that results may vary and it?s not the same for everyone. Also, that it may be dependent upon people following your advice to the tee. Terms and conditions to offers are also advisable, display these clearly.
• Word of mouth can also have a negative, viral effect ? I saw how one attendant at a burger joint called a lady ?Chinky Eyes? on her slip for a description. The pic she posted on Twitter went viral and the company had to do serious damage control. Imagine someone had a bad experience with your products and they are just mildly influential, you would ?not work in this town again? That?s why it?s important to have someone represent your brand on social media, if you?re not doing it yourself.

Underpricing.

Marketing PricingLet?s be honest with each other, you put a lot of effort into your product right? So why are you selling your product for 2.99? Why even 9.99? That?s the price for invaluable PLR products. Do you think if Appsumo had a product they?re promoting and their price is $1.99; are you even going to look? Of course not. I want a valuable product, not a lucky packet. And seriously, if you think that much of your product, you may as well market it as a lucky packet, because anyone looking at that price tag is not sure what they?re going to get. So unless you have 500,000 customers like Appsumo does, don?t under price your product and undersell your abilities. If that?s genuinely what your products worth, work on it a little more and look at adding a lot more value.

So, when looking at pricing your product appropriately and still trying to be competitive, look at the following tips:

• What is your hourly rate? ?What would you like to ear per hour? is the better question. That is your desirable worth. Getting there is simple. Look at how many units of your product you can sell. Then ask yourself how many ?active? hours you spent on producing your product. Then, times the amount of hours worked on the product by how many you hope to sell. If the price is still too low, look at working on the product some more (adding value) and do those sums again.
• Do research on what your competitors charge for their products ? or even your peers. It?s not wise to go and duplicate or steal someone?s product idea, but you can look at related products and ascertain your price seeing how what is your experience related to them. What does their product have that yours doesn?t? Price appropriately and of course, competitively.
• Try different price points. You could have a launch price (without skimping). When people bought it at the launch price, the chances of virility if better (if your product is good). Then launch it properly after the early bird launch. Then, announce the full price and then approach affiliates offering an appetizing incentive. When your product launch has run its course, try a JV promotion; offer your product as an add-on to someone else?s. OR, you may launch a new product and give this one as a bonus, adding value to your new product.

(Any) Technical glitches ? (at all).

I remember doing a soft launch beta giveaway of a product I wanted to launch. I wasn?t so clued up with the technical stuff, so my promotion was great (I got a spot on a BIG TIME affiliate blogger). But when it came to product delivering, some technical glitches kept the people who won the promotion from using the info product. To make matters worse, I didn?t keep my ear on the ground and kept in contact with them, so I didn?t know they couldn?t get in. Epic IM Fail!

Let?s look at some general technical glitches you want to make sure your developer smoothes out before you even start looking at the product and do usability testing.

• Server crashes ? While TOO MANY visitors may be perceived as a good thing, it?s is in reality a bad thing. Your site may crash, and the visitor you DID get will probably mot return. Before you launch, make sure you check with your hosting company that the server will hold out with an increase in traffic.
• Issues with payment processing ? Lots of sales means lots of traffic. This may not only pose a problem for you (as with previous point), but also for your payment processor. IF they?re not able to process payments quickly, what you have is a virtual line of people ?queuing? for ?service? .Let?s be honest, how may of us will wait hours in a queue for something unless it?s at the polls? To make sure this doesn?t happen, inform the processor of possible surges and also test, test, test.
• Download problems ? Think of how many an-happy customers you?ll have if they purchased a product from you and they cannot download the product. A lot of times the problem is with the links and some of them not redirecting properly. Once again testing is important. Also make sure that you have a reachable support desk with proper server coverage.

Not having an affiliate network.

Best Affiliate NetworksAn affiliate network is good to have because it explodes your reach and places the opportunity to make money from your product in the hands of other hungry marketers with traffic. This is a great solution if your own traffic is not really great.

• Affiliates doesn?t cost you money ? its costs you money NOT to have them. You may sell a thousand copies and make a thousand times your asking price. But offering 50% to a hundred other affiliates who sell 25 units of your products will give you an increase of 1500 sales and 750 more full-unit sales.
• Setting it up is as easy or tough as you want it to be ? Hand of affiliate programs like Clickbank handles everything for you. If you have your own software, you may want to employ office people to help you with admin. Either way, there?s no excuse not to have it and making more money.

Those are some of the dumb mistakes I made with Internet Marketing in the past and I hope this comprehensive list will assist you not to make the same mistakes as I did and maximize your potential to earn lots of money from your hard work and efforts.

Please leave a comment below and tell me some of your mistakes and don?t forget to sign up for my personal email list. It?s chock a block with tons of free, valuable gifts to help you on your internet marketing (IM) journey.

Ivin Viljoen is a full time blogger and makes most of his money providing services that solves people?s online problems. He?s passionate about community and thrives on the social part of social media. His creed is hustling to have his dreams happen. Sign up for his personal email list and let him take care of you online ? http://ivinviljoen.net/

Source: http://www.paulbarrs.com/internet-marketing-mistakes-the-5-worst

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